I wanted to post this message so that other members can have a better understanding on all the different areas that affect your score. There is a lot more than what lenders or the top four reasons that are listed on the top of a mortgage credit report or through a lender. So here is a link to the Experian Fico Score risk code list. And another great tool is the Fico Score estimator.
https://www.figfcu.com/documents/fico/FICO®%20Score%20Factors%20Guide%20-%20Experian.pdf
https://www.myfico.com/fico-credit-score-estimator/estimator/
This are just to give you an idea of how to estimate a better score and or educate you.
